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Budgeting basics

A budget is a spending plan that helps you understand how much money you're making and where you're spending it. A budget is the cornerstone of a strong financial plan.

Budgeting tips

A couple budgets together.
Bankrate offers 18 ideas for stretching your budget to save money.
Young man working on finances at home. He has a laptop open and is using a calculator.
If your discretionary income is low, you could pay $0 on your federal student loans.
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Our guide tackles the basics of disposable income and how you can use it to budget.

Calculate your savings

Use our Savings Calculator to help you quickly and accurately estimate the growth of your investment. Set a goal and figure out how much you need to save each month to hit the mark.

Latest articles

Illustrated by Bankrate
Big banks pay just 0.01% APY while online banks offer 4% or more. Your $10,000 could earn over $800 more over two years.
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank
Comparing savings rates can ensure you get the best return on your savings.
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Here are simple steps to take to avoid paying checking account fees.
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In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.
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Here’s what other banks have to offer that you might be missing out on at yours.
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Consumers without a bank account face hurdles when trying to cash a check.
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Monthly budgets are popular because many expenses, such as rent and bills, occur monthly.
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An emergency fund is an essential part of a solid financial plan.
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It’s important to find the right accounts for your emergency savings.
Rainy day and emergency funds differ but together provide a sound financial plan.
Calendar of 2023
Use this challenge to stash more cash toward your savings goals.
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Creating a timeline is a useful way to plan and meet all your financial goals.
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Financial goals are measuring sticks that apply to any area of your money management skills that you’re looking to improve.
female soldier and her husband use a banking app to check the state of their finances
Savings APYs remain high as the Federal Reserve holds interest rates steady.
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Banks have been loudly touting their multi-billion-dollar investments in artificial intelligence as a breakthrough for consumers. CEOs speak at conferences about AI-powered personalization. Marketing departments [...]
Rainy day and emergency funds differ but together provide a sound financial plan.
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Several banks continue to offer savings accounts well above 4 percent APY.
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These options are great places to stash money from a bonus, inheritance and more.
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Inflation can eat away at your purchasing power, if you’re not keeping up with it.
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Several banks are offering high-yield savings accounts well above 4 percent APY.
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More than half of Americans also say the U.S. economy is on the wrong track.
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